Gold Loans

Gold loans drive 42% surge in secured lending in Q3FY26: Experian

Experian data shows secured loans growing 42% in Q3FY26, led by strong demand for gold loans, even as unsecured lending rebounded and home loans maintained steady momentum

Gold loans pip personal loans in retail segment in Q3FY26, shows data

Gold loans overtake auto loans as the second-largest retail segment, with rapid growth driven by soaring gold prices and rising borrower demand

From locker to loans: 90% surge in gold financing leads India's credit boom

Higher-ticket loans show better credit performance compared to small-ticket loans.

Small finance bank label a key hindrance for expansion, say experts

With clearer RBI norms, easing microfinance stress and digital-first models, small finance banks are set for steady growth and deeper reach among underserved customers

Gold-loan NBFCs' AUM to cross ₹4 trillion by FY27: Crisil report

Assets under management of non-banking financial companies specialising in gold loans are set to log a compound annual growth rate (CAGR) of about 40 per cent between this fiscal and next, surpassing Rs 4 lakh crore by March 2027, a report said. The surge will be driven by elevated gold prices, a shift towards secured credit and an evolved regulatory environment, outpacing the CAGR of 27 per cent clocked between fiscals 2023 and 2025, said the report by Crisil Ratings. Gold prices soared about 68 per cent in the first nine months of this fiscal year to an all-time high. "This enhances collateral values, enabling lenders to scale up disbursements," it said. Furthermore, amid the limited availability of credit from segments such as unsecured lending, borrowers are looking for other sources of funding. To capitalise on these lending opportunities, gold-loan NBFCs (both large and mid-size ones) have been expanding their market presence, despite stiff competition from banks, Crisil Rati

Gold loan: Avoid maxing out on loan limit, maintain 20% valuation buffer

EMI-based repayment steadily reduces the principal and lowers LTV, offering better protection against price volatility than the bullet option

Gold loans, fee income to power Capri Global; JM Financial starts coverage

JM Financial said the non-bank lender's diversified retail-focused franchise, strong asset quality and expanding non-interest income engine position it well for sustained growth.

Gold-price volatility likely to cap gains for Muthoot Finance's stock

Muthoot Finance posted robust Q2FY26 earnings driven by higher gold prices and strong AUM growth, but analysts flag risks from yield pressure, NIM compression and regulatory uncertainty

Gold loan or gold overdraft? Know the smarter way to borrow against gold

Gold loans offer structure, overdrafts offer flexibility. Here's how to pick the smarter way to borrow against your gold.

Muthoot, Manappuram Fin shares fall as much as 5% as gold prices retreat

Muthoot Finance shares have risen 47 per cent so far this year, while Manappuram Finance was up 48 per cent

RBI tightens gold loan rules: What changes in repayment, valuation, auction

Regulatory changes seek to ensure more discipline, transparency and protection for borrowers

RBI eases small business loan rules, expands lending scope against gold

With the revised rules, lenders can now extend working capital loans to any business that relies on gold as a raw material, expanding credit access beyond the jewellery sector

Muthoot Finance shines in Q1FY26 with strong AUM, margin, gold loan growth

Muthoot Finance reported strong Q1FY26 results with 42% YoY AUM growth, improved asset quality, higher yields and strong recoveries as gold loans drove profitability

Muthoot, Manappuram can rally more despite up to 55% rise in 2025: Analysts

Shares of Muthoot Finance have surged 37.7 per cent so far in CY-25, while that of Manappuram Finance have rallied 54.6 per cent. Gold has surged 42 per cent in 2025

India's consumption loans rise 14.5% in Q1FY26, led by gold loans

India's consumption loans grew 14.5% YoY in Q1FY26 to Rs 105.6 trillion, driven by gold loans, while personal loan growth slowed and credit card originations dropped sharply

Muthoot Microfin targets ₹20,000 crore AUM by FY27: CEO Sadaf Sayeed

Muthoot Microfin plans to grow AUM from ₹12,253 cr to ₹20,000 cr by FY27, raising secured loan share to 35% through LAP, gold co-lending and individual lending products

RBI's new rule on gold-backed loan will lead to biz model adjustment: S&P

The RBI's new rules on lending against gold will lead to business model adjustment, and operational agility, service excellence will remain the key differentiator between lenders, S&P Global Ratings said on Thursday. Earlier this month, the RBI raised the loan-to-value (LTV) ratio for lending against gold to 85 per cent for borrowings under Rs 2.5 lakh from the present 75 per cent. The LTV ratio has been fixed at 80 per cent for loan amounts between Rs 2.5-5 lakh and 75 per cent for loans above Rs 5 lakh. Lenders have time until April 1, 2026, to prepare for the changes. In its report titled 'India's new rules on gold-backed loans may reshape the competitive landscape', S&P said the Reserve Bank of India's new rules on gold-backed loans will likely lead to business model adjustments in the country's booming lending niche. "In our view, operational agility and service excellence will remain the key differentiator between lenders," S&P said. S&P Global Ratings credit ...

Share of small-ticket gold loans to rise as RBI eases the LTV norms

Repo rate cut, liquidity infusing to aid NBFCs performance

Capri Global shares zoom 13% in trade today; why are investors buying?

Capri Global Capital share price jumped 13 per cent in trade; Here;s what is driving rally today

Monetary policy review: LTV ratio upped for gold-backed loans up to ₹5L

New guidelines exempt small-ticket gold loans from strict credit appraisal, aiming to boost formal sector lending and ease access for rural and semi-urban borrowers